Dodge Journey Insurance Rates

U.S. average insurance rates for a Dodge Journey are $1,284 a year including full coverage. Comprehensive insurance costs approximately $250 each year, collision insurance costs $424, and liability insurance is estimated at $452. A policy with just liability insurance costs approximately $504 a year, and coverage for high-risk drivers costs $2,778 or more. Teenage drivers pay the highest rates at up to $4,918 a year.

Average premium for full coverage: $1,284

Price estimates by individual coverage:

These estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Journey models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on car insurance prices. Rural locations have lower incidents of comprehensive and collision claims than densely populated cities. The graphic below illustrates the effect of geographic area on auto insurance prices.

The ranges above highlight why all drivers should get quotes using their specific location, rather than relying on average rates.

Use the form below to get customized rates for your location.

Detailed Rate Analysis

The chart below breaks down average Dodge Journey insurance rates for additional coverage and risk scenarios.

• The best discount rate is $748
• Choosing higher $1,000 deductibles can save $152 every year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,284
• Using low deductibles for comp and collision coverage will cost an additional $296 a year
• High-risk insureds who are prone to accidents and violations could pay around $2,778
• The price that insures a teen driver can cost $4,918 each year

View Chart as Image

Insurance prices for a Dodge Journey are also quite variable based on the trim level and model year, your driving record and age, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are likely paying anywhere from $1,500 to $2,100 extra each year, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 130% more than a normal policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay in the ballpark of $4,900 a year. View Rates by Age

The state you live in plays a big part in determining prices for Dodge Journey insurance rates. A good driver about age 40 could pay as low as $990 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,830 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $450 each year, whereas increasing liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $407 more per year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Rates assume 2020 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find Cheap Dodge Journey Insurance

Getting lower rates on Dodge Journey insurance takes avoiding accidents and violations, having above-average credit, being claim-free, and possibly raising deductibles. Compare prices at least once a year by getting quotes from direct car insurance companies, and also from local auto insurance providers.

The list below is a brief summary of the primary concepts that were covered in the above illustrations.

• You may be able to save around $150 per year just by quoting online in advance
• High-risk drivers that tend to have accidents or serious violations will likely pay on average $1,490 more per year for car insurance
• Increasing physical damage deductibles can save approximately $450 each year
• Teenagers are expensive to insure, possibly costing $410 a month if full coverage is included